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Mortgage Rates


These are the latest available mortgage rates for home mortgage loans at financial institutions in the MLS coverage area. Most rates are based on a $100,000 mortgage and 10 percent down payment. These rates do not include closing costs such as title searches and appraisal fees with a 30 day rate lock period. Solid Earth, Inc. is not responsible for the accuracy of this information and the borrower should contact their own mortgage banker for the latest rates.
INSTITUTION Conv.
30-year fixed
Rate/points
Conv.
15-year fixed
Rate/points
5-Year ARM
Rate/points
Yearly cap
Lifetime cap
FHA
Rate/pnts
30 yr.
VA
Rate/pnts
30 yr.
Last Update
South Bank
(256) 535-6000
JOE HORROCKS /
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Click any name to email direct /
Shonda Hand / 256-519-3314
Ginny Terry / 256-519-3241
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4.125/03.50/03.125/02/53.875/04.00/0'02-Sep-2010' 10:42:16 AM
Featured Loan Program: CALL FOR OUR NO ORIGINATION OPTION!! Some rates based on credit and LTV. Call or meet face to face with one of our experts & be pre-approved before you house hunt! At SOUTHBank you're not just a number, but you are OUR number 1 priority!
Bank of America Home Loans
(256) 535-4700
SUSAN LOPER / 256-535-4700
Susan Loper-Branch Manager / 256-658-3095
Bonita Greene / 256-529-0104
Kristin Ardal / 256-655-0837
Karla Reagin-Young / 256-651-2145
Teresa Schmitt / 256-651-6574
Misty Anderson / 256-990-1956
Cami Felix / 256-797-5761
Bonita Payne / 256-683-2094
Teresa Milchuk / 256-529-8225
Katherine Payne / 256-520-6643
Jeff Walczak / 256-714-8464
Nancy Scussel / 251-752-2364
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4.375/03.75/03.375/02/54.25/04.25/0'02-Sep-2010' 10:37:19 AM
Featured Loan Program: **New Doctor Program** 95% LTV , No PMI @ 5.875%! Also ask about or JUMBO Conv. & VA rates!! The above information is based on PURCHASE transactions. Please call office for REFI rates!
Charis Mortgage Corporation
(256) 885-4044
ANNAS AYTCH / (256) 885-4044
Bill Allen / 256-885-4044
Rosemary Aytch / 256-885-4044
4.000/03.750/0NA/NANA/NA4.000/04.000/0'02-Sep-2010' 10:28:50 AM
Featured Loan Program: WE HAVE RURAL DEVELOPMENT MONEY !!!! CALL US FOR BETTER PRICING!! Rates based on $200,000 Loan amt. & 740 cr. score. Visit our website @ loansforhouse.net Rates are subject to change throughout the day. We do JUMBO LOANS
Servis First Bank
(256) 722-7821
CINDY LEBLANC / (256) 722-7821
Sheree Moore / 256-679-5110
4.00/03.50/03.25/02/54.00/04.00/0'02-Sep-2010' 10:25:03 AM
Featured Loan Program: 20 yr rates at 3.875%, 10 yr rates at 3.25%
First Commercial/Synovus
256-288-2316
JENNIFER TAYLOR / (256) 288-2314
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Tammy Womble / 256-288-5131
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Kelly Register / 256-288-4308
3.875/03.625/03.500/02/54.125/04.250/0'02-Sep-2010' 10:18:16 AM
Featured Loan Program: Conventional, FHA, VA, 100% Rural Housing, 0.5% down AHFA and portfolio loans... Gain bargaining power when negotiating a price by offering a FREE mortgage pre-qualification letter. Let us share your mortgage experience. Call / click any team member!
Progress Bank
(256) 319-3630
KIM CAPPAERT / (256) 319-3626
Susan Woodfin / (256) 683-1324
Kristi Tapscott / (256) 303-2833
Tammy Parvin / (256) 348-6538
Brian Paulus / (256) 457-5822
Casey Caplin / (256) 682-6459
Sam Hepburn (Decatur) / (256) 797-8828
Tina George Dubach (Decatur) / (256) 280-9161
4.000/03.375/03.25/02/53.375/03.375/0'02-Sep-2010' 10:06:56 AM
Featured Loan Program: Free Prequalification. Local Underwriting, Processing and Closing! Rates quoted for purchases and assume excellent credit. Please call for Great Jumbo rates!
Reliance Bank
(256) 233-5884
JULIE DAVIS / 256-476-0391
Whitney Skipworth / 256-755-5052
4.125/03.75/03.25/02/54.25/04.25/0'02-Sep-2010' 9:23:19 AM
Featured Loan Program: Call today for SPECIAL Refinance rates with reduced closing costs. 30 year JUMBO Fixed rate 5.25%. Great construction loan programs starting at 5.50%.
REDSTONE FEDERAL CREDIT UNION
882-8500
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Sharleen Kinch / (256)882-8510
Tammy Mahaffey / (256)882-8525
Melinda Langston / (256)882-8505
Debbie Green / (256)882-8512
4.250/03.750/03.875/02/5NA/NANA/NA'02-Sep-2010' 8:31:39 AM
Featured Loan Program: .5% Origination fee on 1yr,10-1,7-1,and 5-1ARMs**Up to 90% financing on lot loans**
W R Starkey Mortgage
(256) 533-2362
SHANNON FORTNER / (256) 533-2362
Shannon Fortner, Branch Mgr. / 256-755-0156
Chad Cantrell, Loan Consultant / 256-527-4165
Debbie Stutzenberger, Loan Con / 256-508-0668
Karen Blomeyer, Loan Consultan / 256-656-0320
Sharon Andrews, Loan Consultan / 256-509-5626
Renee Bauch, Loan Consultant / 256-457-3974
Alex Thomas, Loan Consultant / 256-694-1266
Charlie Thorne, Loan Consultan / 256-652-7449
Pat Sigle, Loan Consultant / 256-508-2904
Nancy Hinger, Loan Consultant / 256-508-1819
Beverly Whitley, Loan Consulta / 256-533-2362
3.875/03.5/03.1250/02/54.00/04.00/0'01-Sep-2010' 4:47:11 PM
Featured Loan Program: Rates based upon credit scores and purchases. Call for refinance rates. Local underwriting, processing and closing.
Magellan Mortgage Services,Inc
(256) 288-0288
CLAY WILKINSON,MANAGER / 256-288-0288
Alisa DeLeon / 256-288-0288
Tracy Fullerton / 256-288-0288
Veronica Jenson / 256-288-0288
Lisa Wilkinson / 256-288-0288
3.875/03.375/03.250/02/5NA/NA4.125/0'01-Sep-2010' 11:51:03 AM
Featured Loan Program: 10yr rate 3.75%. 100% USDA loans. Fannie Mae Homepath & Homestyle Renovation loans.Free pre-approval by phone or online at MAGELLANMORTGAGE.COM.
REAL ESTATE LENDING INC
(256) 536-5603
DEBBIE WHORTON / (256) 797-7698
Debbie Whorton / 256-797-7698
3.875/03.750/03.125/02/54.00/04.00/0'01-Sep-2010' 11:27:24 AM
Featured Loan Program: Most of us offer the same loan programs with similiar rates. Our experience and knowledge will guarantee you chose the best loan program, get the lowest rate and closing costs. Call us before making a final decision.
RBC BANK
256-382-4560
MELANIE MULLINS / 256-564-5753
Martha Bishop / 256-564-5750
Tammy McCurry / 256-337-3175
Ethel Carter / 256-520-4853
Emily Coleman (Madison) / 256-612-9217
Elaine Maxey (Decatur) / 256-227-4822
Ben Wilson / 256-508-5055
Kylie Shannon / 256-797-1957
Maria Brown (Decatur) / 256-318-5801
Amy Adams / 256-564-5735
Brent Daniel / 256-564-5736
3.875/03.625/03.125/05/54.250/04.250/0'31-Aug-2010' 10:19:26 AM
Featured Loan Program: Rates are for purchase transations only, call for rates on refinances. Call about our new 100% NO MI Affordable Housing Program
Brand Mortgage Group
(256) 880-4976
TONIA OWENS /
NA/NANA/NANA/NANA/NANA/NANA/NA'30-Aug-2010' 12:50:48 PM
Featured Loan Program:
Brand Mortgage Group
(256) 880-4976
Betsy Jarrett / 256 880-4976
Sandra Echols Branch Manager / 256-880-4976
Betsy Jarrett / 256-509-4945
Saul Ginsberg / 256-479-9334
Barbara Harrell / 256-541-1202
Jimmy Lehman / 256-797-4187
Steve Bauer / 256-679-2718
Jennifer Dalton, Admin / 256-880-4976
4.875/NA4.375/NA4.0/02/55/NA5/NA'30-Aug-2010' 12:49:18 PM
Featured Loan Program: *WHILE IT LASTS UP to $10K Federal Grant money * 100% USDA* CONSTRUCTION -PERMS* *adj. apply based on credit, ln amts,down pmt * Over 50 yrs combined mtg experience- APPLY ONLINE @ www.brandmortgage.com
Bank of America-Madison
(256) 774-1330
THERESA LESLIE / 256.337.9636
Toni Roberts / 256.227.1617
4.0/03.5/03.375/02/54.0/04.0/0'27-Aug-2010' 7:35:34 PM
Featured Loan Program: Local Underwriting and Processing! Quotes are for Purchase Applications - call for Refinance Applications, they're low also. . . . NEW Doctor Program, LTV 95% call for more information.
Sun Trust Mortgage
(256) 650-8304
TERESA HAGOOD / 256-650-7300
Teresa Hagood - Sales Manager / 256-227-7727
Norionna Cox / 256-653-8079
Sam Moss / 256-653-5458
Natalie Cochran / 256-335-1780
3.875/03.75/02.99/02/54.25/04.25/0'25-Aug-2010' 10:45:29 AM
Featured Loan Program: FHA 5/1 - VA arm @ 2.875% VA JUMBO 30 YR fixed 4.375 Rates are based on purchase transaction, 30 day locks, subject to credit score and ltv. Call for refinance rates.
BB&T
(256) 551-4762
LINDA SHOCKLEY / 256-551-4762
Linda Shockley / 256-503-9733
4.00/03.75/03.625/NA2/54.25/04.25/0'19-Aug-2010' 1:36:55 PM
Featured Loan Program: Rates Quoted are for Purchases: Great Jumbo Rates 30 Year @ 4.75% , Great Refinance Rates some with reduced closing cost. Free Prequalification
Bancorp South Mortgage
(256) 564-8460
BETTY KITCHENS / 256-564-8461
4.00/03.75/02.875/02/54.00/04.00/0'19-Aug-2010' 10:13:15 AM
Featured Loan Program: PURCHASE ONLY RATES ABOVE......Rates are subject to CREDIT and LTV.....Call for refinance rates....Great Jumbo Programs
RENASANT BANK/DECATUR
256-355-4119
MORTGAGE DEPARTMENT / 256-355-4119
Irene Williams, Manager / 256-355-4117
Tammy Snider, Loan Officer / 256-351-4372
Clint Northcutt, Loan Officer / 256-301-6437
4.25/03.75/03.25/02/54.25/04.25/0'12-Aug-2010' 2:56:18 PM
Featured Loan Program: Purchase rates...call for refinance...subject to credit score and LTV.
Hunter Comm-Home Buyers Connec
(256) 534-9898
Luann Butler /
NA/NANA/NANA/NANA/NANA/NANA/NA'03-Aug-2010' 2:53:30 PM
Featured Loan Program:



*Rates subject to change without notice.
*Information contained herein is provided to assist real estate professionals and is not an advertisement to extend consumer credit as defined by Section 226.6 of Regulation Z. This form may not be reproduced.